US Bancorp : FR Y-9C Reports at March 31, 2024

FR Y-9C

OMB Number 7100-0128

Approval expires September 30, 2026

Page 1 of 73

Board of Governors of the Federal Reserve System

Consolidated Financial Statements for

Holding Companies-FRY-9C

Report at the close of business as of the last calendar day of the quarter

This Report is required by law: Section 5(c) of the BHC Act (12 U.S.C. § 1844(c)), section 10 of Home Owners' Loan Act (HOLA) (12 U.S.C. § 1467a(b)), section 618 of the Dodd-Frank Act (12 U.S.C. § 1850a(c)(1)), section 165 of the Dodd-Frank Act (12 U.S.C. § 5365), and section 252.153(b)(2) of Regulation YY (12 CFR 252.153(b)(2)).

This report form is to be filed by holding companies with total consolidated assets of $3 billion or more. In addition, holding

NOTE: Each holding company's board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Consolidated Financial Statements for Holding Companies. The Consolidated Financial Statements for Holding Companies is to be prepared in accordance with instructions provided by the Federal Reserve System. The Consolidated Financial Statements for Holding Companies must be signed and attested by the Chief Financial Officer (CFO) of the reporting holding company (or by the individual performing this equivalent function).

I, the undersigned CFO (or equivalent) of the named holding company, attest that the Consolidated Financial Statements for Holding Companies (including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief.

CONF

Printed Name of Chief Financial Officer (or Equivalent) (BHCK C490)

Signature of Chief Financial Officer (or Equivalent) (BHCK H321)

05/08/2024

Date of Signature (MM/DD/YYYY) (BHTX J196)

Is confidential treatment requested for any	0=No	BHCK
portion of this report submission?	1=Yes	C447	0
In accordance with the General Instructions for this report
(check only one),
1.	a letter justifying this request is being provided along
	with the report (BHCK KY38)
2.	a letter justifying this request has been provided
	separately (BHCK KY38)

For Federal Reserve Bank Use Only

RSSD ID

C.I.S.F.

companies meeting certain criteria must file this report (FR Y-9C) regardless of size. See page 1 of the general instructions for further information. However, when such holding companies own or control, or are owned or controlled by, other holding companies, only the top-tier holding company must file this report for the con-

solidated holding company	organization.	The Federal Reserve
may not conduct or sponsor,	and an organization (or a person) is
not required to respond to, a	collection of	information unless it dis-

plays a currently valid OMB control number.

Date of Report: March 31, 2024

Month / Day / Year (BHCK 9999)

U.S. Bancorp

Legal Title of Holding Company (RSSD 9017)

800 Nicollet Mall

(Mailing Address of the Holding Company) Street / PO Box (RSSD 9110)

Minneapolis	MN	55402-7020
City (RSSD 9130)	State (RSSD 9200)	Zip Code (RSSD 9220)

Person to whom questions about this report should be directed:

CONF

Name / Title (BHTX 8901)

CONF

Area Code / Phone Number (BHTX 8902)

CONF

Area Code / FAX Number (BHTX 9116)

CONF

E-mail Address of Contact (BHTX 4086)

Holding companies must maintain in their files a manually signed and attested printout of the data submitted.

Public reporting burden for this information collection is estimated to vary from 5 to 1,250 hours per response, with an average of 44.79 hours per response for non-Advanced Approaches holding companies with $5 billion or more and an average of 35.59 hours per response for non-Advanced Approaches holding companies with less than $5 billion in total assets and 49.80 hours for Advanced Approaches holding companies, including time to gather and maintain data in the required form and to review instructions and complete the information collection. Comments regarding this burden estimate or any other aspect of this information collection, including suggestions for reducing the burden, may be sent to Secretary, Board of Governors of the Federal Reserve

System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0128), Washington, DC 20503.

09/2023

FR Y-9C

Page 2 of 73

Chief Executive Officer Contact Information

This information is being requested so the Board can distribute notifications about policy initiatives and other matters directly to the Chief Executive Officers of reporting institutions. Please provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's email address if not available. Chief Executive Officer contact information is for the confidential use of the Board and will not be released to the public.

Chief Executive Officer

CONF

Name (BHCK FT42)

CONF

Area Code / Phone Number / Extension (BHCK FT43)

CONF

E-mail Address (BHCK FT44)

12/2021

Report of Income for Holding Companies

Report all Schedules of the Report of Income on a calendar year-to-date basis.

Schedule HI-Consolidated Income Statement

For Federal Reserve Bank Use Only	FR Y-9C
RSSD ID________________________	Page 3 of 73
S.F.________

	Dollar Amounts in Thousands	BHCK	Amount
1. Interest income
a. Interest and fee income on loans:
(1)	In domestic offices:
	(a) Loans secured by 1 - 4 family residential properties	4435	1,399,000	1.a.(1)(a)
	(b) All other loans secured by real estate	4436	827,000	1.a.(1)(b)
	(c) All other loans	F821	3,412,000	1.a.(1)(c)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs	4059	3,000	1.a.(2)
b. Income from lease financing receivables	4065	108,000	1.b.
c. Interest income on balances due from depository institutions (1)	4115	704,000	1.c.
d. Interest and dividend income on securities:
(1)	U.S. Treasury securities and U.S. government agency obligations
	(excluding mortgage-backed securities)	B488	191,000	1.d.(1)
(2)	Mortgage-backed securities	B489	749,000	1.d.(2)
(3)	All other securities	4060	235,000	1.d.(3)
e. Interest income from trading assets (2)	4069	30,000	1.e.
f. Interest income on federal funds sold and securities purchased under agreements
to resell	4020	47,000	1.f.
g. Other interest income	4518	59,000	1.g.
h. Total interest income (sum of items 1.a through 1.g)	4107	7,764,000	1.h.
2. Interest expense
a. Interest on deposits:
(1)	In domestic offices:
	(a) Time deposits of $250,000 or less	HK03	393,000	2.a.(1)(a)
	(b) Time deposits of more than $250,000	HK04	176,000	2.a.(1)(b)
	(c) Other deposits	6761	2,269,000	2.a.(1)(c)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs	4172	46,000	2.a.(2)
b. Expense on federal funds purchased and securities sold under agreements to repurchase	4180	62,000	2.b.
c. Interest on trading liabilities and other borrowed money(2)
(excluding subordinated notes and debentures)	4185	774,000	2.c.
d. Interest on subordinated notes and debentures and on mandatory convertible
securities (2)	4397	59,000	2.d.
e. Other interest expense	4398	0	2.e.
f. Total interest expense (sum of items 2.a through 2.e)	4073	3,779,000	2.f.
3. Net interest income (item 1.h minus item 2.f)	4074	3,985,000	3.
4. Provision for credit losses (3)	JJ33	554,000	4.
5. Noninterest income:
a. Income from fiduciary activities	4070	494,000	5.a.
b. Service charges on deposit accounts in domestic offices	4483	277,000	5.b.
c. Trading revenue (2,4)	A220	125,000	5.c.

1. Includes interest income on time certificates of deposit not held for trading.
2. To be completed by holding companies with $5 billion or more in total assets. (Asset-size test is based on the prior year June 30 report date). Income and or expenses pertaining to these items should be reported in the "other" categories 1.g, 2.e, and 5.l, respectively by holding companies with less than $5 billion in total assets.
3. Holding companies should report in item 4, the provisions for credit losses for all financial assets and off-balance sheet credit exposures.
4. For holding companies required to complete Schedule HI, memoranda item 9, trading revenue reported in Schedule HI, item 5.c must equal the sum of memoranda items 9.a through 9.e.

03/2024

FR Y-9C Page 4 of 73

Schedule HI-Continued

		Dollar Amounts in Thousands	BHCK	Amount
Holding companies with less than $5 billion in total assets should report data items 5.d.(6) and
5.d.(7) only and leave 5.d.(1) through 5.d.(5) blank.
5.	d.	Income from securities-related and insurance activities:
		(1) Fees and commissions from securities brokerage	C886	99,000
		(2) Investment banking, advisory, and underwriting fees and commissions	C888	102,000
		(3) Fees and commissions from annuity sales	C887	23,000
		(4) Underwriting income from insurance and reinsurance activities	C386	0
		(5) Income from other insurance activities	C387	2,000
		(6) Fees and commissions from securities brokerage, investment banking, advisory, and
		underwriting fees and commissions	KX46	N/A
		(7) Income from insurance activities(5)	KX47	N/A
	e.	Venture capital revenue(6)	B491	1,000
	f.	Net servicing fees	B492	97,000
	g.	Net securitization income(6)	B493	0
	h.	Not applicable.
	i.	Net gains (losses) on sales of loans and lease	8560	55,000
	j.	Net gains (losses) on sales of other real estate owned	8561	0
	k.	Net gains (losses) on sales of other assets (7)	B496	6,000
	l.	Other noninterest income (8)	B497	1,417,000
	m.	Total noninterest income (sum of items 5.a through 5.l)	4079	2,698,000
6.	a.	Realized gains (losses) on held-to-maturity securities	3521	0
	b.	Realized gains (losses) on available-for-sale debt securities	3196	2,000
7.	Noninterest expense:
	a.	Salaries and employee benefits	4135	2,691,000
	b.	Expenses of premises and fixed assets (net of rental income)
		(excluding salaries and employee benefits and mortgage interest)	4217	296,000
	c.	(1) Goodwill impairment losses	C216	0
		(2) Amortization expense and impairment losses for other intangible assets	C232	146,000
	d.	Other noninterest expense (9)	4092	1,325,000
	e.	Total noninterest expense (sum of items 7.a through 7.d)	4093	4,458,000
8.	a.	Income (loss) before change in net unrealized holding gains (losses) on equity securities
		not held for trading, applicable income taxes, and discontinued operations
		(sum of items 3, 5.m, 6.a, 6.b, minus items 4 and 7.e)	HT69	1,673,000
	b.	Change in net unrealized holding gains (losses) on equity securities not held for trading(10)	HT70	0
	c.	Income (loss) before applicable income taxes and discontinued operations
		(sum of items 8.a and 8.b)	4301	1,673,000
9.	Applicable income taxes (on item 8.c)	4302	347,000
10.	Income (loss) before discontinued operations (item 8.c minus item 9)	4300	1,326,000
11.	Discontinued operations, net of applicable income taxes (11)	FT28	0
12.	Net income (loss) attributable to holding company and noncontrolling
	(minority) interests (sum of items 10 and 11)	G104	1,326,000
13.	LESS: Net income (loss) attributable to noncontrolling (minority) interests
	(if net income, report as a positive value; if net loss, report as a negative value)	G103	7,000
14.	Net income (loss) attributable to holding company (item 12 minus item 13)	4340	1,319,000

5.d.(1)

5.d.(2)

5.d.(3)

5.d.(4)

5.d.(5)

5.d.(6)

5.d.(7)

5.e.

5.f.

5.g.

5.i.

5.j.

5.k.

5.l.

5.m.

6.a.

6.b.

7.a.

7.b.

7.c.(1)

7.c.(2)

7.d.

7.e.

8.a.

8.b.

8.c.

9.

10.

11.

12.

13.

14.

1. Includes underwriting income from insurance and reinsurance activities.
2. To be completed by holding companies with $5 billion or more in total assets. (Asset-size test is based on the prior year June 30 report date). Income and or expenses pertaining to these items should be reported in the "other" categories.

7. Excludes net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale debt securities.

1. See Schedule HI, memoranda item 6.
2. See Schedule HI, memoranda item 7.
3. Item 8.b is to be completed by all holding companies. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities.
4. Describe on Schedule HI, memoranda item 8.

03/2022

Schedule HI-Continued

Memoranda
		Dollar Amounts in Thousands	BHCK
Memo Items 1 and 2 are to be reported by holding companies with $5 billion or more in
total assets. (1)
1.	Net interest income (item 3 above) on a fully taxable equivalent basis	4519
2.	Net income before applicable income taxes, and discontinued operations (item 8.c above)
	on a fully taxable equivalent basis	4592
3.	Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
	(included in Schedule HI, items 1.a and 1.b, above)	4313
4.	Income on tax-exempt securities issued by states and political subdivisions in the U.S.
	(included in Schedule HI, item 1.d.(3), above)	4507
5.	Number of full-time equivalent employees at end of current period	BHCK
	(round to nearest whole number)	4150
Memo Items 6.a through 6.j are to be completed annually on a calendar year-to-date basis in the
December report only by holding companies with less than $5 billion in total assets. Holding
companies with $5 billion or more in total assets should report these items on a quarterly basis. (1)
6.	Other noninterest income (from Schedule HI, item 5.l, above) (only report amounts greater
	than $100,000 that exceed 7 percent of Schedule HI, item 5.I):	BHCK
	a. Income and fees from the printing and sale of checks	C013
	b. Earnings on/increase in value of cash surrender value of life insurance	C014
	c. Income and fees from automated teller machines (ATMs)	C016
	d. Rent and other income from other real estate owned	4042
	e. Safe deposit box rent	C015
	f. Bank card and credit card interchange fees	F555
	g. Incomeand fees from wire transfers	T047
		TEXT
	h.	8562 Merchant processing services	8562
		TEXT
	i.	8563 Corporate payment products revenue	8563
		TEXT
	j.	8564	8564
Memo Items 7.a through 7.p are to be completed annually on a calendar year-to-date basis in the
December report only by holding companies with less than $5 billion in total assets. Holding
companies with $5 billion or more in total assets should report these items on a quarterly basis. (1)
7. Other noninterest expense (from Schedule HI, item 7.d, above) (only report amounts greater
than $100,000 that exceed 7 percent of the sum of Schedule HI, item 7.d):
a. Data processing expenses	C017
b. Advertising and marketing expenses	0497
c. Directors' fees	4136
d. Printing, stationery, and supplies	C018
e. Postage	8403
f. Legal fees and expenses	4141
g. FDIC deposit insurance assessments (2)	4146
h. Accounting and auditing expenses	F556
i. Consulting and advisory expenses	F557
j. Automated teller machine (ATM) and interchange expenses	F558
k. Telecommunications expenses	F559
l. Other real estate owned expenses	Y923

1. Asset-sizetest is based on the total assets reported as of prior year June 30 report date.
2. Amounts reported in Memorandum item 7.g will not be made available to the public on an individual institution basis.

FR Y-9C

Page 5 of 73

Amount

4,015,000 M.1.

1,703,000 M.2.

74,000 M.3.

76,000 M.4.

Number

72,470 M.5.

Amount

0 M.6.a.

0 M.6.b.

0 M.6.c.

1. M.6.d.

1. M.6.e.

392,000 M.6.f.

0 M.6.g.

401,000 M.6.h.

184,000 M.6.i.

0 M.6.j.

126,000 M.7.a.

116,000 M.7.b.

0 M.7.c.

0 M.7.d.

0 M.7.e.

0 M.7.f.

CONF M.7.g.

0 M.7.h.

93,000 M.7.i.

0 M.7.j.

0 M.7.k.

0 M.7.l.

03/2022

					FR Y-9C
Schedule HI-Continued			Page 6 of 73
Memoranda-Continued
		Dollar Amounts in Thousands	BHCK	Amount
7. m.	Insurance expenses (not included in employee expenses, premises and fixed assets
	expenses, and other real estate owned expenses)	Y924	0	M.7.m.
	TEXT
n.	8565	Capitalized computer software expense	8565	281,000	M.7.n.
	TEXT
o.	8566	Merger and integration charges	8566	155,000	M.7.o.
	TEXT
p.	8567		8567	0	M.7.p.

Memo items 8.a.(1) through Memo item 8.b.(2) is reported by holding companies with $5 billion or

more in total assets. (1)

8. Discontinued operations and applicable income tax effect (from Schedule HI, item 11)

(itemize and describe each discontinued operation):

	TEXT
a. (1)	FT29			FT29	0	M.8.a.(1)
(2)	Applicable income tax effect	BHCK	FT30	0		M.8.a.(2)
	TEXT
b. (1)	FT31			FT31	0	M.8.b.(1)
(2)	Applicable income tax effect	BHCK	FT32	0		M.8.b.(2)

9. Trading revenue (from cash instruments and derivative instruments)

(Sum of items 9.a through 9.e must equal Schedule HI, item 5.c.)

Memorandum items 9.a through 9.e are to be completed by holding companies with $5 billion

or more in total assets (1) that reported total trading assets of $10 million or more for any quarter

of the preceding calendar year:

a. Interest rate exposures	8757	100,000	M.9.a.
b. Foreign exchange exposures	8758	24,000	M.9.b.
c. Equity security and index exposures	8759	0	M.9.c.
d. Commodity and other exposures	8760	4,000	M.9.d.
e. Credit exposures	F186	(3,000)	M.9.e.
Memoranda items 9.f and 9.g are to be completed by holding companies with $100 billion	or
more in total assets that are required to complete Schedule HI, Memorandum items 9.a
through 9.e, above. (1)
f.	Impact on trading revenue of changes in the creditworthiness of the holding company's
	derivatives counterparties on the holding company's derivative assets (included in
	Memorandum items 9.a through 9.e above)	K090	19,000	M.9.f.
g.	Impact on trading revenue of changes in the creditworthiness of the holding company
	on the holding company's derivative liabilities
	(included in Memorandum items 9.a through 9.e above)	K094	(6,000)	M.9.g.
Memorandum items 10.a and 10.b are to be completed by holding companies with $10 billion or
more in total consolidated assets. (1)
10. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit
exposures held outside the trading account:
a.	Net gains (losses) on credit derivatives held for trading	C889	2,000	M.10.a.
b.	Net gains (losses) on credit derivatives held for purposes other than trading	C890	(42,000)	M.10.b.
Memorandum item 11 is to be completed by holding companies with $5 billion or more in
total assets. (1)
11. Credit losses on derivatives (see instructions)	A251	0	M.11.
1. Asset-size test is based on the total assets reported as of prior year June 30 report date.

03/2022

					FR Y-9C
					Page 7 of 73
Schedule HI-Continued
Memoranda-Continued
	Dollar Amounts in Thousands	BHCK	Amount
Memorandum items 12.a through 12.c are to be completed by holding companies with $5 billion or
more in total assets. (1)
12.	a. Income from the sale and servicing of mutual funds and annuities (in domestic offices)	8431		156,000	M.12.a.
	b. (1) Premiums on insurance related to the extension of credit	C242		0	M.12.b.(1)
	(2) All other insurance premiums	C243		0	M.12.b.(2)
	c. Benefits, losses, and expenses from insurance-related activities	B983		0	M.12.c.
13.	Does the reporting holding company have a Subchapter S election in effect for	0=No	BHCK
	federal income tax purposes for the current tax year? (Enter "1" for Yes; enter "0" for No.)	1=Yes	A530	0	M.13.
	Dollar Amounts in Thousands	BHCK	Amount
Memorandum items 14(a) through 14(b)(1) are to be completed by holding companies with $5 billion
or more in total assets that have elected to account for assets and liabilities under a fair value option. (1)
14.	Net gains (losses) recognized in earnings on assets and liabilities that are reported at
	fair value under a fair value option:
	a. Net gains (losses) on assets	F551		58,000	M.14.a.
	(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific
	credit risk	F552		0	M.14.a.(1)
	b. Net gains (losses) on liabilities	F553		12,000	M.14.b.
	(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific
	credit risk	F554		0	M.14.b.(1)
Memorandum item 15 is to be completed by holding companies with $5 billion or more in
total assets. (1)
15.	Stock-based employee compensation expense (net of tax effects) calculated for all
	awards under the fair value method	C409		80,000	M.15.

16. and 17. Not applicable.

1. Asset-size test is based on the total assets reported as of prior year June 30 report date.

03/2024

				FR Y-9C
				Page 8 of 73
Schedule HI-A-Changes in Holding Company Equity Capital
	Dollar Amounts in Thousands	BHCK	Amount
1.	Total holding company equity capital most recently reported for the end of previous
	calendar year (i.e., after adjustments from amended Reports of Income)	3217	55,306,000	1.
2.	Cumulative effect of changes in accounting principles and corrections of material accounting errors	B507	0	2.
3.	Balance end of previous calendar year as restated (sum of items 1 and 2)	B508	55,306,000	3.
		BHCT
4.	Net income (loss) attributable to holding company (must equal Schedule HI, item 14)	4340	1,319,000	4.
5.	Sale of perpetual preferred stock (excluding treasury stock transactions):	BHCK
	a. Sale of perpetual preferred stock, gross	3577	0	5.a.
	b. Conversion or retirement of perpetual preferred stock	3578	0	5.b.
6.	Sale of common stock:
	a. Sale of common stock, gross	3579	0	6.a.
	b. Conversion or retirement of common stock	3580	108,000	6.b.
7.	Sale of treasury stock	4782	13,000	7.
8.	LESS: Purchase of treasury stock	4783	49,000	8.
9.	Changes incident to business combinations, net	4356	0	9.
10.	LESS: Cash dividends declared on preferred stock	4598	102,000	10.
11.	LESS: Cash dividends declared on common stock	4460	770,000	11.
12.	Other comprehensive income (1)	B511	(257,000)	12.
13.	Change in the offsetting debit to the liability for Employee Stock Ownership Plan (ESOP) debt
	guaranteed by the holding company	4591	0	13.
14.	Other adjustments to equity capital (not included above)	3581	0	14.
15.	Total holding company equity capital end of current period (sum of items 3, 4, 5, 6, 7, 9, 12,	BHCT
	13, and 14, less items 8, 10, and 11) (must equal item 27.a on Schedule HC)	3210	55,568,000	15.

1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale debt securities, changes in accumulated net gains (losses) on cash flow hedges, foreign currency translation adjustments, and pension and other postretirement plan related changes other than net periodic benefit cost.

12/2020

FR Y-9C

Page 9 of 73

Schedule HI-B-Charge-Offs and Recoveries on Loans and

Leases and Changes in Allowances for Credit Losses

Part I. Charge-offs and Recoveries on Loans and Leases (Fully Consolidated)

Part I includes charge-offs and recoveries through
the allocated transfer risk reserve.		(Column A)		(Column B)
		Charge-offs(1)		Recoveries
Dollar Amounts in Thousands	BHCK	Amount	BHCK	Amount
1. Loans secured by real estate:
a. Construction, land development, and other land loans
in domestic offices:
(1) 1-4 family residential construction loans	C891	0	C892	0	1.a.(1)
(2) Other construction loans and all land development and
other land loans	C893	0	C894	0	1.a.(2)
b. Secured by farmland in domestic offices	3584	0	3585	0	1.b.
c. Secured by 1-4 family residential properties in domestic offices:
(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit	5411	2,000	5412	3,000	1.c.(1)
(2) Closed-end loans secured by 1-4 family residential
properties in domestic offices:
(a) Secured by first liens	C234	4,000	C217	4,000	1.c.(2)(a)
(b) Secured by junior liens	C235	2,000	C218	1,000	1.c.(2)(b)
d. Secured by multifamily (5 or more) residential properties in
domestic offices	3588	0	3589	0	1.d.
e. Secured by nonfarm nonresidential properties in domestic offices:
(1) Loans secured by owner-occupied nonfarm nonresidential
properties	C895	1,000	C896	0	1.e.(1)
(2) Loans secured by other nonfarm nonresidential properties	C897	27,000	C898	13,000	1.e.(2)
f. In foreign offices	B512	0	B513	0	1.f.
2. Not applicable.
3. Loans to finance agricultural production and other loans to farmers	4655	1,000	4665	0	3.
Holding companies with less than $5 billion should report Item 4.c only
and leave 4.a and 4.b blank. (2)
4. Commercial and industrial loans:
a. To U.S. addressees (domicile)	4645	126,000	4617	20,000	4.a.
b. To non-U.S. addressees (domicile)	4646	1,000	4618	0	4.b.
c. To U.S. addressees (domicile) and non-U.S. addressees (domicile)	KX48	N/A	KX49	N/A	4.c.
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards	B514	337,000	B515	41,000	5.a.
b. Automobile loans	K129	13,000	K133	9,000	5.b.
c. Other consumer loans (includes single payment, installment,
all student loans, and revolving credit plans other than
credit cards)	K205	56,000	K206	10,000	5.c.
Item 6 is to be completed by holding companies with $5 billion or more in
total consolidated assets. (2)
6. Loans to foreign governments and official institutions	4643	0	4627	0	6.
7. All other loans	4644	7,000	4628	0	7.

1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

03/2022

					FR Y-9C
					Page 10 of 73
Schedule HI-B-Continued
Part I-Continued
		(Column A)		(Column B)
Dollar Amounts in Thousands		Charge-offs(1)		Recoveries
BHCK	Amount	BHCK	Amount
Holding companies with less than $5 billion in total assets should
report data item 8.c and leave item 8.a and 8.b blank. (2)
8. Lease financing receivables:
a. Leases to individuals for household, family, and other personal
expenditures	F185	8,000	F187	3,000	8.a.
b. All other leases	C880	10,000	F188	3,000	8.b.
c. Leases to individuals for household, family, and other personal
expenditures and all other leases	KX50	N/A	KX51	N/A	8.c.
9. Total (sum of items 1 through 8.b) (3)	4635	595,000	4605	107,000	9.

1. Include write-downs arising from transfers of loans to a held-for-sale account.
2. Asset-sizetest is based on the total assets reported as of prior year June 30 report date.
3. For holding companies with less than $5 billion in total assets, Total loans and leases (sum of items 1 through 7 plus 8c.)

Memoranda

			(Column A)			(Column B)
			Charge-offs(1)			Recoveries
				Date
	Dollar Amounts in Thousands	BHCK	Amount		BHCK	Amount
1.	Loans to finance commercial real estate, construction, and land
	development activities (not secured by real estate) included in Schedule
	HI-B, part I, items 4 and 7 above	5409		0	5410	0	M.1.
Memorandum item 2 is to be completed by holding companies with $5 billion or
more in total assets. (2)
2.	Loans secured by real estate to non-U.S. addressees (domicile) (included in
	Schedule HI-B, part I, item 1, above)	4652		0	4662	0	M.2.

Memorandum item 3 is to be completed by (1) holding companies with $5 billion or more in total assets (2) that, together with affiliated

institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or

(2) holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions).

			Year-to-date
3.	Uncollectible retail credit card fees and finance charges reversed against income	BHCK	Amount
	(i.e., not included in charge-offs against the allowance for credit losses on loans and leases)	C388	73,000	M.3.
1.	Include write-downs arising from transfers of loans to a held-for-sale account.
2.	Asset-size test is based on the total assets reported as of prior year June 30 report date.

03/2024